Compare Troy, NY Car Insurance Rates (2021)

Car insurance in Troy, NY averages $269 a month. Troy, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Troy car insurance rates, compare quotes from the top car insurance companies in Troy, NY.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest ZIP code in Troy is 12180
  • The cheapest car insurance company in Troy for teen drivers is GEICO
  • Average car insurance rates in Troy, NY after a DUI are $4,303/year

If you need to buy Troy, New York car insurance, the options can be confusing. Everything you need to know about car insurance in Troy, NY is right here.

You’ll find Troy car insurance rates, the cheapest Troy, NY car insurance companies, and information on New York car insurance laws. You can also compare Troy, New York car insurance rates to Mount Vernon car insurance rates, Schenectady car insurance rates, and Buffalo car insurance rates.

Ready to find affordable Troy, NY car insurance today? Enter your ZIP code for fast, free Troy car insurance quotes.

Cheapest Troy, NY Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Troy, NY car insurance rates? Every Troy, New York car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Troy, New York

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,461 $2,325 $2,314 $2,358 $7,354 $7,952 $2,438 $2,467
GEICO $1,425 $1,375 $1,392 $1,371 $3,065 $4,545 $1,282 $1,326
Liberty Mutual $3,560 $3,560 $3,318 $3,318 $6,956 $11,272 $3,560 $3,775
Nationwide $2,096 $2,096 $1,980 $1,980 $3,734 $5,548 $2,096 $2,667
Progressive $1,728 $1,602 $1,377 $1,402 $6,176 $6,876 $2,250 $2,191
State Farm $1,860 $1,860 $1,621 $1,621 $5,483 $7,079 $2,044 $2,172
Travelers $2,441 $2,455 $2,254 $2,412 $5,863 $6,998 $2,605 $2,711
USAA $1,603 $1,573 $1,457 $1,454 $6,527 $7,764 $2,045 $2,253

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Minimum Car Insurance in Troy, NY

Every driver must carry the minimum car insurance in Troy, NY. Take a look at the New York car insurance requirements.

Minimum Required Car Insurance Coverage in Troy, New York

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Troy, NY Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Troy, NY. Compare credit history car insurance rates in Troy from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Troy, New York

Insurance Company Poor Fair Good
Allstate $5,294 $3,126 $2,707
GEICO $2,472 $1,816 $1,630
Liberty Mutual $6,867 $4,500 $3,376
Nationwide $2,775 $2,775 $2,775
Progressive $4,641 $2,425 $1,785
State Farm $4,189 $2,628 $2,086
Travelers $4,726 $3,030 $2,646
USAA $4,738 $2,396 $2,120

Cheapest Troy, NY Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Troy, NY to rates for a clean record with top companies.

Annual Troy, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,130 $3,130 $4,607 $3,968
GEICO $1,534 $1,673 $3,150 $1,534
Liberty Mutual $3,919 $3,919 $7,902 $3,919
Nationwide $2,128 $2,128 $4,667 $2,176
Progressive $2,867 $2,867 $3,181 $2,885
State Farm $2,827 $2,827 $3,107 $3,107
Travelers $2,944 $3,709 $3,764 $3,452
USAA $2,733 $2,778 $4,050 $2,778

Cheapest Troy, NY Car Insurance for Teen Drivers

Teen car insurance in Troy, NY can be expensive. Take a look at rates from the top car insurance companies in Troy for teenagers.

Annual Car Insurance Rates for Teen Drivers in Troy, New York

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,354 $7,952
GEICO $3,065 $4,545
Liberty Mutual $6,956 $11,272
Nationwide $3,734 $5,548
Progressive $6,176 $6,876
State Farm $5,483 $7,079
Travelers $5,863 $6,998
USAA $6,527 $7,764

Cheapest Troy, NY Car Insurance for Seniors

Take a look at Troy, NY senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Troy, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,314 $2,358
GEICO $1,392 $1,371
Liberty Mutual $3,318 $3,318
Nationwide $1,980 $1,980
Progressive $1,377 $1,402
State Farm $1,621 $1,621
Travelers $2,254 $2,412
USAA $1,457 $1,454

Cheapest Troy, NY Car Insurance Rates After a DUI

A DUI in Troy, NY increases car insurance rates. Compare Troy, New York DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Troy, New York

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,607
GEICO $3,150
Liberty Mutual $7,902
Nationwide $4,667
Progressive $3,181
State Farm $3,107
Travelers $3,764
USAA $4,050

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Cheapest Troy, NY Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Troy, NY by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Troy, New York

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,659 $3,759
GEICO $1,914 $2,032
Liberty Mutual $4,778 $5,052
Nationwide $2,775 $2,775
Progressive $2,950 $2,950
State Farm $2,865 $3,070
Travelers $3,467 $3,467
USAA $3,054 $3,115

Cheapest Troy, NY Car Insurance Rates by ZIP Code

Troy car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Troy, NY.

Annual Car Insurance Rates by ZIP Code in Troy, New York

ZIP Code Average Annual Rates
12180 $3,291
12182 $3,308
12183 $3,304

The Best Cheap Car Insurance Companies in Troy, NY

Take a look at a side-by-side comparison of the top car insurance companies in Troy, NY to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Troy, New York

Insurance Company Average Annual Rates
Allstate $3,709
GEICO $1,973
Liberty Mutual $4,915
Nationwide $2,775
Progressive $2,950
State Farm $2,967
Travelers $3,467
USAA $3,085

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Category Winners: Cheapest Car Insurance in Troy, New York

Find the cheapest car insurance companies in Troy, NY for each category right here.

Best Annual Car Insurance Rates by Company in Troy, New York

Category Insurance Company
Teenagers GEICO
Seniors GEICO
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI State Farm
With 1 Speeding Violation GEICO

Cheapest Troy, NY Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Troy car insurance rates. Find the cheapest Troy, NY car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Troy, New York

Insurance Company Low Medium High
Allstate $3,525 $3,698 $3,903
GEICO $1,867 $1,971 $2,080
Liberty Mutual $4,685 $4,897 $5,162
Nationwide $2,614 $2,754 $2,955
Progressive $2,788 $2,934 $3,128
State Farm $2,825 $2,983 $3,095
Travelers $3,318 $3,447 $3,637
USAA $2,991 $3,070 $3,193

What affects car insurance rates in Troy, New York?

What factors can have an impact on Troy, NY car insurance? There are several reasons why Troy car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Troy, New York.

Commute Time in Troy

The more time you spend in your car the higher the risk of an accident. The average commute length in Troy, NY is 22.9 minutes according to City-Data.

Traffic in Troy

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Troy, NY traffic data from INRIX ranks Troy as the 789th-most congested in the world.

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Compare Car Insurance Quotes in Troy, NY

Ready to find affordable Troy, New York car insurance today? Enter your ZIP code for fast, free Troy, NY car insurance quotes.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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